Does Homeowners Insurance pay for Rodent damage.

Rats, Mice, Gophers, squirrels, armadillos, and raccoons can do thousands or even tens of thousands of dollars in damage to your home and lawn. nearly every homeowner’s insurance policy contains a clause excluding gradual damage caused by rodents. But nearly every homeowner’s insurance policy will cover sudden and unexpected damage that is caused by rodents, or that results in the damage to your property by rodents after other sudden and unexpected damage to your home.

Typically the language in your policy will read something to the effect of “Unless the resulting loss is a Loss Not Insured, we will pay for accidental direct loss for” and then there is a reference to a list of causes of homeowner casualty such as windstorms, fires, tornadoes, and, if you purchase an appropriate rider or a separate specialized policy, earthquakes and floods.

A homeowner reads this and says HUH?

I can not give you legal advice here, but the question you need to ask your insurance agent or your attorney is whether you are covered for the consequences of insured losses.

A quick example, a windstorm blows shingles off your roof, and then a family of raccoons takes up residence in your attic and their poopy raccoon pooh leaks through gnawed holes in your drywall ceilings. Before you can get your roof repaired, your insurance company will probably pay for both the damage to your roof and to your ceiling. If a family of rodents takes up residence in your attic and then a windstorm blows shingles off your attic, you will probably just get paid for the damage to your roof.

As a Realtor, I’ve experienced more incidents of damages by raccoons, to the point they broke water pipes and the owner of their 2nd home didn’t find out about it for almost 45 days. A family of Armadillos on more than 6 occasions have compromised, concrete patio’s, a bedroom concrete slab, pool decks, shed foundations, and it goes on. Beware and be covered.

Author: danswingblog

Dan has celebrated over 19 years as a full-time Realtor. Successfully listed and sold homes well through the 8 figure market. Advises and assists clients with challenging Portfolios! Not uncommon to be working with foreign nationals, buyers that leverage the Sterling, Euro, and similar currency. Dan welcomes the Global community, with friends in many Nations. He brings a reputation for Integrity, Expertise, and Focus. Our customers deserve the best. Currently provides Residential and Commercial B.P.O.'s, Broker Price Opinions, B.O.V's, Broker Opinion of Value to many lenders. Manage and Sells R.E.O., Real Estate Owned properties, distressed properties! Evaluate and negotiate solutions for sellers and lenders. Developed, operated and sold a Florida "AWARD WINNING" Ad Agency! 2010 & 11 Commercial Agent of the year. RE/MAX Paramount Properties. Relocated to Tampa in 2012, enjoyed retirement for 6 months. Saw unethical practices by some Realtors and choose to reverberate our profession in the Tampa area. In four years built his business to as many as four (4) transactions monthly. Mortgage brokers were calling Dan a Superstar in Real Estate. Dan and his wife relocated to North East Florida, to the community of Nocatee. Currently focusing on 55 and older communities and Luxury Real Estate. Successfully closed on many extremely challenging foreclosures, and Short Sale. Coached and participated in Commercial and Multi-Income Family REO's in the past six years. Elected to the Auburndale City Commission in 1986-88. Created and served as 1st Redevelopment Chair in 1988 & 89 personally put in place all the elements for the Auburndale CRA. 1990 City Commission refused to give a full vote of confidence. After a 5 year journey to personally raise funding, extensive research and study for the CRA district perimeters, and stunned with the Commissions doubt. Positioned himself to run for office again, was re-elected to Auburndale Commission, to serve 1991-93 to full fill the CRA master plan! Active with the Central Florida Development Council from conception in 1985 and sat on the board periodically for the past 25 years representing municipalities and private investors. The positions Dan held from 1986 through 1993 enabled him to have a complete workable understanding of the State of Florida Comprehensive Plan for Future Land Use, and the benefits of intergovernmental agreements, utility franchise expansions, and public/private partnerships! Specialties: Assets recovery & receivership, Real Estate Portfolio's, REO & Short Sale of Residential and Commercial negotiations, marketing consultant, public relations, and Broker Price Opinions for residential and commercial lenders.

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